Fact CheckedNerdy takeaways
Chubb is the top-rated insurer in Virginia, offering the best coverage for high-value homes.
Amica offers the best consumer experience.
Cincinnati Insurance is our best value pick.
State Farm offers the best coverage for most homes.
USAA is our top choice for military families.
When shopping for the best home insurance in Virginia, you'll have several highly rated companies to choose from. The best fit for your property will depend on the coverage you need, what you value in an insurer and your priorities as a homeowner.
Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state. Even if an insurer serves your state, it may not write policies for all homes in all areas.
The best home insurance companies in Virginia
Best for high-value homes
Chubb
- Far fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies offer only as extras.
- Perks to help you protect your home.
- Most consumers can't get a quote online and will instead need to contact a local agent.
Why it’s worth a look: Chubb may be a good choice for well-to-do homeowners. Several kinds of coverage that you’d often pay extra for come standard with a Chubb policy, including additional coverage for the structure of your home.
Standout feature: Policyholders with a second or seasonal home in Virginia can use Chubb’s Property Manager service at no charge. As part of this service, Chubb will send an expert to check your home and report back after a hurricane in order to prevent further damage. They can even submit a claim on your behalf.
Average rates: Not available.
» READ MORE: Chubb homeowners insurance review
Best consumer experience
Amica
- High customer satisfaction ratings and low consumer complaints.
- Platinum Choice package offers extra coverage.
- Dividend policies can return a portion of your premiums.
- You can start a quote online but may have to finish the buying process by phone.
Why it’s worth a look: Amica’s comprehensive list of coverage options can go a long way toward providing a better insurance experience for Virginia homeowners. You may be able to add coverage for water damage from backed up drains, identity theft protection and even specialized coverage for high-value electronics to your Amica policy.
Standout feature: Amica’s approach must earn kudos from homeowners because the company has a very low rate of complaints compared to other insurers, according to the National Association of Insurance Commissioners. Amica also consistently earns top marks in J.D. Power surveys about home insurance and customer satisfaction.
Average rates: Not available.
» READ MORE: Amica homeowners insurance review
Best value
Cincinnati Insurance
- Various coverage options.
- Far fewer complaints than expected for a company of its size.
- Coverage available for higher-value homes.
- No online quotes.
- Very little information on website.
Why it’s worth a look: Cincinnati Insurance offers affordable homeowners rates to Virginians, especially given the variety of coverage options available to customize policies. Add-ons can include coverage for things like identity theft, personal cyber attacks or certain types of water damage.
Standout feature: If a more sustainable Virginia matters to you, consider Cincinnati Insurance. This insurer works to reduce fossil fuel emissions from both its facilities and company vehicles. As a policyholder, you may also be able to add a “green upgrade” endorsement that supports using eco-friendly materials to repair or rebuild your home after a claim.
Average rates: Below are the average annual rates for a range of dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$200,000 | $625 |
$300,000 | $905 |
$400,000 | $1,095 |
$500,000 | $1,445 |
$600,000 | $1,740 |
» READ MORE: Cincinnati homeowners insurance review
Best coverage for most homes
State Farm
- User-friendly website.
- Agents offer personalized service.
- Policies generally include extra coverage for your home’s structure.
- Below average for claim satisfaction in a recent J.D. Power study.
Why it’s worth a look: As America’s largest home insurer, State Farm gives Virginia homeowners the ability to easily bundle multiple types of insurance to earn discounts. State Farm’s generous menu of coverage options also includes helpful things like inflation protection. This is a policy add-on that automatically increases your limits to keep up with rising costs.
Standout feature: State Farm offers a free Ting smart plug to home insurance policyholders as a perk. Virginians with older homes may find this device particularly helpful, as it monitors your home’s electrical network to help prevent fires.
Average rates: Below are the average annual rates for a range of dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$200,000 | $1,100 |
$300,000 | $1,375 |
$400,000 | $1,605 |
$500,000 | $1,810 |
$600,000 | $2,010 |
» READ MORE: State Farm homeowners insurance review
best for military families
USAA
- Policies include standard coverage that often costs extra elsewhere.
- Fewer customer complaints to state regulators than expected for a company of its size.
- Perks for military homeowners.
- Available only to active military members, veterans, some federal employees and their families.
Why it’s worth a look: If you’re an active military member, veteran or federal employee, you or your family members may want to consider USAA. In addition to military perks, USAA offers standard policy features other insurers charge extra for. For example, if your personal belongings are damaged, USAA reimburses enough to buy brand-new replacements. When you make a claim, many other insurers pay only what the items are worth at the time.
Standout feature: Virginia has one of the highest percentages of active military in the country, so USAA’s perks for members of the armed forces may be especially useful. Examples include deductible-free coverage for military uniforms and equipment.
Average rates: Not available.
» READ MORE: USAA homeowners insurance review
Other top home insurance companies in Virginia
These home insurance providers are also worth a look.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$2,715 | ||
Not available | ||
$1,215 |
How much does homeowners insurance cost in Virginia?
The average cost of homeowners insurance in Virginia is $2,265 per year, or about $189 per month. That's 9% less expensive than the national average of $2,490 per year for the same amount of coverage.
These rates are based on a sample home insurance policy with $400,000 in dwelling coverage, $300,000 in liability coverage, a $1,000 deductible and no recent claims.
Did you know...
The dwelling coverage limit on your policy should be the amount it would take to rebuild your home, based on the cost of labor and construction in your area. It won't necessarily be the price you paid for the house or how much you could sell it for now. Use our calculator to estimate your home's rebuilding cost.
The median rebuilding cost for Virginia homes is $443,398, according to data from First Street, a climate risk modeling firm.
Below are the average rates for policies with various dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$200,000 | $1,465 |
$300,000 | $1,865 |
$400,000 | $2,265 |
$500,000 | $2,665 |
$600,000 | $3,010 |
The rates above are for homeowners with good credit. In Virginia, policyholders with poor credit pay an average of $4,105 per year — an increase of 81%.
Average cost of homeowners insurance in Virginia by city
The amount you pay will vary depending on where you live in the state. For example, the average cost of homeowners insurance in Virginia Beach is $3,095 per year, while Richmond homeowners pay $2,240 per year, on average.
City | Average annual rate | Average monthly rate |
|---|---|---|
Alexandria | $1,850 | $154 |
Blacksburg | $1,900 | $158 |
Charlottesville | $1,775 | $148 |
Chesapeake | $2,900 | $242 |
Danville | $2,480 | $207 |
Fairfax | $1,850 | $154 |
Fredericksburg | $1,815 | $151 |
Hampton | $2,990 | $249 |
Harrisonburg | $1,835 | $153 |
Herndon | $1,850 | $154 |
Leesburg | $1,795 | $150 |
Lynchburg | $1,960 | $163 |
Manassas | $1,835 | $153 |
Newport News | $3,030 | $253 |
Norfolk | $3,040 | $253 |
Petersburg | $2,520 | $210 |
Portsmouth | $2,990 | $249 |
Richmond | $2,240 | $187 |
Roanoke | $1,835 | $153 |
Salem | $1,775 | $148 |
Staunton | $1,835 | $153 |
Suffolk | $2,780 | $232 |
Virginia Beach | $3,095 | $258 |
Waynesboro | $1,850 | $154 |
Winchester | $1,995 | $166 |
The cheapest home insurance in Virginia
Here are the insurers we found with the cheapest rates for a variety of dwelling coverage limits.
Company
NerdWallet star rating
Average annual rate
$625
$695
$965
Virginia Farm Bureau
Not rated
$1,045
$1,100
Company
NerdWallet star rating
Average annual rate
$905
$930
$1,325
$1,375
Virginia Farm Bureau
Not rated
$1,425
Company
NerdWallet star rating
Average annual rate
$1,095
$1,215
$1,605
$1,680
Virginia Farm Bureau
Not rated
$1,750
Company
NerdWallet star rating
Average annual rate
$1,445
$1,545
$1,810
$2,050
Narragansett Bay
Not rated
$2,140
Company
NerdWallet star rating
Average annual rate
$1,740
$1,825
$2,010
$2,345
Narragansett Bay
Not rated
$2,435
Cheap homeowners insurance in Virginia by claims history
Here are the cheapest home insurance companies in Virginia for homeowners who've filed a recent claim.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$1,345 | ||
$1,495 | ||
$1,770 | ||
$1,830 | ||
$1,985 |
These rates are based on a sample homeowner with good credit, $400,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.
Cheap homeowners insurance in Virginia by credit score
Here are the cheapest home insurance companies in Virginia for homeowners with poor credit. Read more about how your credit scores impact home insurance rates.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$1,985 | ||
$2,270 | ||
$2,935 | ||
$2,955 | ||
Narragansett Bay | Not rated | $3,375 |
These rates are based on a sample home insurance policy with $400,000 in dwelling coverage, $300,000 in liability coverage, a $1,000 deductible and no recent claims.
Common discounts
Make sure to ask your home insurance company about any discounts you may be eligible for. Here are some of the most common:
Many insurers offer savings if you buy more than one policy, such as home and car insurance. See our picks for the best home and auto insurance bundles.
Got a burglar alarm, smoke detectors or a smart device that alerts you if you have a leak? Safety and security features like these could earn you a discount.
Sign up for paperless billing or set your premiums to autopay, and you could get a discount.
Many insurance companies give discounts to customers who’ve gone a certain number of years without filing a home insurance claim.
Some insurers offer discounts to new policyholders or reward those who’ve stuck around for a while.
Teachers, doctors, members of the military and others may be eligible for discounts from certain insurers.
Learn more about common home insurance discounts.
Common Virginia home insurance problems
For Virginians shopping for home insurance policies, here are a few common problems you should keep in mind when making coverage decisions.
Hurricanes and tropical storms. Wind and water can wreak havoc on homes, and hurricanes deliver plenty of both. Home insurance usually covers wind damage, but you may have to pay a separate deductible. (A homeowners deductible is the part of a claim you’re responsible for.)
For instance, you could have a $1,000 deductible for most claims but a 2% deductible for wind claims. If your home has $300,000 of dwelling coverage and a tropical storm causes wind damage, you’d need to pay for the first $6,000 of the damage.
Flooding. Flooding isn’t just a problem in coastal areas. Virginia homeowners should know that a standard home insurance policy won’t cover damage from floods, surface water or storm surges. If you're concerned about flooding, you may want to consider buying flood insurance.
To check your flood risk, start with the federal government’s flood maps. However, these maps don’t always capture all types of flood risk. You may want to check another source such as First Street, a company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating.
Tornadoes. Most home insurance policies include wind coverage, including wind from tornadoes, as long as you don’t live in a high-risk coastal location. The trick is to make sure you have enough dwelling coverage to pay for full reconstruction of your house. Your insurance agent can help you choose the right limit.
Winter weather. Most snowfall in Virginia occurs in the western and southwestern mountain regions. A standard home insurance policy covers many types of winter damage, such as burst pipes and fallen trees, but it won’t cover flood damage from melting snow. That’s the kind of scenario that requires flood insurance.
Common optional coverage
A standard homeowners policy can sometimes fall short, so it's worth looking for ways to make it more comprehensive. For example, we recommend asking if your insurer offers extended or guaranteed replacement cost coverage for your home. These add-ons give you extra dwelling coverage in case it costs more than you expect to rebuild your home after a disaster. Having this coverage can be a useful hedge against inflation.
Here are a few additional types of coverage you may want to buy.
Floods are the most common weather disaster in the U.S. and can happen anywhere, not just coastal areas. You can buy flood insurance through the federal government or from private companies. Learn whether you need flood insurance.
Homeowners policies generally won’t cover damage if a drain backs up into your home or your sump pump fails. Adding water backup coverage can help with these issues.
Homeowners policies may cover your stuff on an actual cash value or replacement cost basis. With actual cash value, the policy will pay less for older items that have lost value over time. To get enough of a claim payout to buy brand-new items, opt for replacement cost coverage.
If you have expensive jewelry, fine art or other valuables, you may need extra insurance for them. Learn more about scheduled personal property coverage.
Service line coverage pays to fix damaged water, gas, sewer or other underground lines on your property.
If your HVAC system or another major appliance fails, equipment breakdown coverage can help pay for repairs.
Virginia Property Insurance Association
The Virginia Property Insurance Association (VPIA) has been providing property insurance to individuals who can’t find it elsewhere since 1968. Coverage is generally more limited than what you’d find on the private market. Policies through the VPIA may provide some coverage for vacant properties that meet certain conditions.
Coverage limits include:
$500,000 for residential dwelling coverage.
$1 million for commercial property.
$100,000 in personal liability coverage.
Having certain dog breeds may make you ineligible for liability coverage through the VPIA. These include pit bulls, Akitas, Rottweilers, chows, Doberman pinschers, boxers, German shepherds, Great Danes, huskies, Alaskan malamutes and wolf-dog hybrids.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.Virginia insurance department
Virginia’s State Corporation Commission oversees the insurance industry. Through its website, you can look up an agent’s license or file a complaint about your insurance company. You can reach the agency through its toll-free helpline at 877-310-6560.
How we review home insurance
Our editorial team considers these factors when rating homeowners insurance companies:
This part of our star rating is based largely on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. When available, we also include each company’s performance in the most recent J.D. Power Home Insurance Study. Other factors in our consumer experience score include customer-friendly features such as online claims filing and quotes.
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
Companies score higher if they offer many common endorsements and include more comprehensive coverage in their standard plans. In particular, we look at features such as extended coverage for the structure of your home and replacement cost coverage for personal belongings.
We evaluate how many of the most common home insurance discounts each company offers.
See our complete homeowners insurance rating methodology.
Frequently asked questions
Homeowners insurance isn't legally required by the state, but your mortgage lender may require you to buy it. For more information, read Is Homeowners Insurance Required?
Here are three ways to save money on homeowners insurance in Virginia:
Shop around to make sure you’re getting the best rate.
Choose a higher deductible. In case of any claims, you’ll pay more out of pocket, but your annual rates will be lower.
Bundle your home and auto insurance for an overall lower rate. Learn more about home insurance discounts.
Home insurance typically doesn’t pay for flood damage. If you live in an area where flooding is a risk, consider buying separate flood coverage.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Home Insurance study. Accessed Mar 4, 2026.
- 2.Virginia Tourism Corporation. Seasons & Climate. Accessed Mar 4, 2026.
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts, claims process and website functionality. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in ZIP codes across all 50 states and Washington, D.C. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$400,000 in dwelling coverage.
$40,000 in other structures coverage.
$200,000 in personal property coverage.
$80,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
In states where credit is a rating factor, we changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
In select states, we added a single wind damage claim to see rates for homeowners with a claim on their record.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period.
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Rebuilding cost methodology
The median home rebuilding cost referenced above is based on 2025 replacement cost data from First Street, a climate risk modeling firm. Actual replacement costs may vary based on factors like location, square footage, construction materials, the age of your home and local labor costs.
